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Obamacare in Georgia

In Georgia, the Affordable Care Act, called Obamacare, made medical coverage affordable for approximately 541,080 residents of the state. Overall, the nation saw nearly 11.7 million consumers insured, many who had never been able to afford healthcare previously. To find out more information about Obamacare in GA, reference the following topics:

  • Did Georgia accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Georgia?
  • Eligibility for Obamacare in Georgia
  • How to apply for Obamacare in Georgia
  • Health plan cost and availability in Georgia

Did Georgia Accept the ACA Medicaid expansion?

The Obamacare Medicaid Expansion was created and extended to all states in order to expand Medicaid coverage to families and individuals whose incomes fall at or below 133 percent of the poverty level established by the federal government. Unlike previous iterations, this Medicaid coverage also includes historically excluded groups such as non-elderly without dependents, and those with pre-existing conditions.

What is the expansion of Medicaid in GA? To date, 30 states have expanded their Medicaid coverage, though Georgia has not agreed to the expansion details. One of the concerns was the ACA Medicaid expansion cost to states, which would eventually be passed along to the consumer, or the taxpayer, neither of which the current legislature wished to burden. Certain estimates suggest that an additional 478,000 would gain medical coverage if it were to be adopted.

What is the Obamacare Medicaid expansion, if it were to be adopted in GA? The federal government has offered all states the premise that the funding for the expansion would be covered by the federal government for the first three years. Thereafter, the Obamacare Medicaid expansion details would include the state assuming at least 10 percent of the funding. States are not federally mandated to implement the expansion, however.

In GA, the Affordable Care Act Medicaid expansion would have offered coverage to more Georgians who currently are not able to afford anything from the Georgia Healthcare exchange. Those still wishing to participate in the original Medicaid program may still do so by filling out the old application as opposed to the Obamacare Medicaid application, which is attached to the expansion. Obamacare Medicaid eligibility in Georgia can become a reality in the future, as the US government has allowed states to opt in whenever they determine it is in their constituents’ best interests. However, the ACA Medicaid expansion is currently not operational in GA.

Does the State or Federal Government Run the Health Insurance Exchange in Georgia?

Georgia has opted to utilize the Obamacare health insurance exchange as opposed to running its own state exchange. The Obamacare healthcare marketplace will direct residents to the approved insurance exchanges, carriers, and brokers, some of which are privately owned. Georgia has seen a five percent increase in the number of insured individuals and families as of March 2016. 

What is the health insurance exchange in Georgia? The Obamacare program implements health insurance exchanges that are state-specific and are often called exchanges. The Georgia exchange, like all others in the US, must abide by health insurance exchange regulations before carriers will be admitted to the program. What is the marketplace for health insurance? The marketplace in GA is an online comparison site that allows GA residents to purchase healthcare that meets the government’s mandate for carrying minimum essential coverage, as well as offering subsidies and exemptions by qualified applicants.

Eligibility for Obamacare in Georgia

Many residents wonder how to qualify for Obamacare in Georgia. Obamacare coverage eligibility requirements state that the applicant must not be in any of the following groups:

  • Medicare
  • Medicaid
  • Incarcerated (correctional facilities)
  • Currently enrolled in an employer’s healthcare plan

If a Georgia resident is not part of any of these groups, then there is a qualifying list for who is eligible for Obamacare based on income and other factors. The Obamacare income requirements are used only to establish plans that are available as well as to set monthly premium amounts. Still asking “What are the requirements to apply for Obamacare?”  Aside from the above listed, and applicant must fill out an application. No one is ever turned down based on income, however, free health insurance is not available to all applicants.

How to Apply for Obamacare in Georgia

For Georgians needing to know how to apply for Obamacare insurance in their county, the process is quite streamlined and efficient. Those unsure of how to enroll in Obamacare can apply in many ways. “Can I apply online for Obamacare?” is a frequently asked question by many first time applicants. The answer is yes. Signing up for Obamacare online is the easiest and most efficient way to obtain healthcare insurance, as well as comparison shop for the best prices on healthcare plans.

The GA Marketplace offers 24/7 assistance for those who need to know how to get Obamacare, or how to enroll for Obamacare in their county. Many new applicants ask, “What do I need to apply for Obamacare in Georgia?” Applicants will need to provide several important pieces of information, as well as documents to verify the information given. Trained assistants in the county can help applicants with what is needed to sign up for Obamacare, but in general, applicants will need to bring paystubs, tax returns, personal ID, Social Security card, household information, any current insurance policies and medical records. The assistants can also tell applicants where to apply for Obamacare in GA, if the applicant does not care to apply online. Applicants are able to submit applications via the Georgia Marketplace, or print out the application and mail it in.

Health Plan Cost and Availability in Georgia 

How much does Obamacare cost in Georgia? Five carriers offer medical coverage in GA, with varying costs in each county. Obamacare health insurance plans costs are offered in several levels, from bronze, silver, gold, and platinum plans.  One of the key questions applicants should be asking is, “How much will Obamacare insurance cost me?” On average there are 41 healthcare plans, with Blue Cross Blue Shield being the only carrier offering plans in all counties. While Obamacare health insurance price estimates are based on several unique factors, the approximate cost for a silver plan for a family of 4 making $40,000 a year, is approximately $159.